New Hampshire Cosmetology Insurance

Any current cosmetologist practicing in the state of New Hampshire should carry liability insurance coverage—tailored to protect your credibility as a professional, your financial well-being, and your overall livelihood. Cosmetology insurance can protect you against claims filed against you by paying for legal fees and covering other damages.

Because of the types of cosmetic services that use electrical tools, hot wax, or sharp instruments, there will never be zero percent risk. Either in or out of your control, accidents can happen. But, the good news is you’ve come to the right place to start protecting a license you have spent thousands of training hours earning.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects you in any lawsuit you find yourself in stemming from negligence on behalf of the cosmetologist. For example, a wax could be too hot during a treatment and cause tearing of the skin causing injury to the client. This could result in financial loss to the client because he or she could not return to work for several weeks. In this scenario, the client could choose to file a claim against you, but you would be covered.

General liability (trip-and-fall scenario): protects you professionally in a potential lawsuit stemming from liability risks. For example, if a client slips and falls in your studio suffering an injury, the client could choose to file a claim against you. But, general liability insurance would cover you.

Why carry cosmetology insurance?

Most likely when you began your career as a cosmetologist, you had in mind always making your clients leave your services looking and feeling their best. You didn’t think of the stress caused by potential liability insurance claims—even though you were taught safe practice techniques in beauty school. These potential claims are real and can cause damage to a well-earned license you spent thousands of hours achieving.

There are certain scenarios that are impossible to avoid, the trip-and-fall or a negative skin reaction to a product. Each scenario, both out of your control, could result in a lawsuit that could tarnish your reputation and be financially-draining to your bank account. The fear of the unknown does not have to last. Choosing to carry your own cosmetology liability insurance offers you instant, stress-free protection.

New Hampshire Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you have completed at least a high school education or equivalent and are of good professional character, you are eligible to obtain a cosmetology license in the state of New Hampshire.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,500 school hours or 3,000 apprentice hours within 18 months and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license plus 8 years of experience, or 500 training hours plus one year of experience, or 800 training hours to be a licensed cosmetology instructor.

Does the state of New Hampshire require me to complete continuing education units (CEUs)?

Cosmetology instructors are required to complete 28 CEUs every 2 years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years by the last day of the licensee’s birthday month—plus a $40 dollar fee.

Moving to New Hampshire from another state?

No problem, just make sure you have completed 1,500 training hours in your home state or 3,000 hours of work experience. You must also pass a hands-on practical exam and a national written exam in English.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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